Credit Monitoring Services - 4

Credit Monitoring Services - 4

http://www.freeannualcreditreportnow.com/

Most credit monitoring services do not monitor specialty consumer reporting companies (such as ChoicePoint or Chex Systems), public records databases, driver's license records (DMV), criminal records (NCIC), Social Security records (SSA), medical records (such as the Medical Information Bureau), etc.

This means that credit monitoring will not alert you if someone has obtained a driver's license, birth certificate, Social Security card, or other such documents or identification in your name. It also will not alert you if someone has used your name during interactions with law enforcement, resulting in arrest warrants or erroneous criminal records, or if someone has filed taxes or obtained medical benefits or healthcare services under your name and SSN, or any number of other activities. Credit monitoring will also not report to you in a timely fashion, if at all, when an identity thief has fraudulently obtained employment using your name and Social Security number.